Product Insurance (Add On)

As a professional, if you want to protect your business from malpractice and cover liability arising out of products you sell, then you're in the right place!

Alternative Balance associations are the only organizations that offer coverage for products sold or manufactured for use in the beauty, fitness, and wellness industries , while also offering coverage for an individual's professional services. As an industry leader, Alternative Balance associations have successfully provided insurance for over 10,0000 members nationwide.

Because most trade associations do not have a real understanding of the products industry, companies and individuals in the beauty, fitness and wellness industries were having a difficult time finding cost-effective insurance options that completely covered their operations. Our policies are tailored to address the liability exposures many policies overlook or exclude, but that are important areas of coverage for the industry.

Alternative Balance continues to focus on offering all members the most comprehensive and affordable coverage available, regardless of how big or small the member's operations are.

Approved Product Liability Products Approved Products

  • Soaps
  • Hand & Body Lotions
  • Facial & Body Creams
  • Natural Cosmetics
  • Lip Balms
  • Bath Salts
  • Essential Oils
  • Body Powders
  • Hair Care Products
  • Perfume & Body Fragrances
  • Topical Products for Animals (shampoos, ointments, etc.)

Frequently Asked Questions Frequently Asked Questions

How do I purchase product liability?

Product liability is an "add on" to the membership, which includes our standard plan of professional and general liability coverage. Product Liability Coverage must be purchased online and is currently only available to new members and members ready to renew.

New members simply choose the product liability option on our application. Click "Buy Policy" to get started. If you are renewing your membership, renew as usual online and add this option on your renewal application.

What are the add on rates for product liability?

Our rates are based on your annual gross sales.

  • Up to $50,000 the rate is $650 a year
  • $50,001-100,000 the rate is $750 a year

Why are the product liability rates so low? I've gotten quotes for 2-3 times as much?

Our rates (all around) are much lower because of our large number of association members nationwide and the efficiency of our automated system, which cuts administrative costs.

What products are excluded?

  • Drugs, Pharmaceuticals, Vitamins, and/or Supplements intended to be ingested.
  • Any product requiring a prescription.
  • Toys, except when included for no additional charge as a promotional item with sale of an approved health or beauty product.
  • Electrical products.

Where is my proof of product liability?

Log in to your account center, click My Policies, choose the most current policy, then scroll down the page to the Download Options section and click the button that says "Product Endorsements." This endorsement document is your proof of product liability coverage.

Why do I have to add the product liability online only?

To keep our rates low, we have designed our own automated, online system. Minimizing our administrative costs enables us to pass significant savings on to our members.

Can I purchase the product liability only?

No, the product liability is an "add on" to our membership with insurance coverage.

What are the coverage limits for the product liability?

The product liability coverage is endorsed to cover the limits of the current plan. There is no additional or separate coverage. The limits are as shown below:

General & Professional Aggregate  $3,000,000 $3,000,000
(General Liability is Occurrence Coverage)
Products-Completed Operations Aggregate  $3,000,000 $2,000,000
Personal & Advertising Injury  Included Included
General & Professional Each Occurrence  $2,000,000 $2,000,000
Damage to Premises Rented to You  $300,000 $300,000
Medical Expenses  $5,000 $5,000
Inland Marine- Business Personal Property  $2,000 Not Included
Inland Marine Deductible $150 N/A
Identity Recovery Coverage  $15,000 Not Included
Identity Recovery Deductible $250 N/A
Optional Product Liability Add-On Available
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**Please note these are brief definitions of coverage and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of coverages and exclusions.